Tyre Insurance

All drivers understand the need to take good care of their vehicle’s engine. Regular maintenance and necessary repairs keep you on the road and ensure you can get where you need to be. But what about your tyres?

If something were to happen to them, your car would be unsafe to drive and it could cost you a pretty penny to get the problem fixed. That’s where Tyre Insurance from Direct Gap can help.

Tyre Insurance covers the cost of the replacement or repair of your tyres if they have sustained accidental or malicious damage. Your policy will cover up to four tyres each year and will pay up to £300 towards the cost of a replacement.

Please note that your Tyre Insurance cover can only be purchased in conjunction with Gap Insurance and must be taken out within 30 days of vehicle delivery.

10 months interest-free credit available.

  • Covers new & used cars
  • Cover from 1-4 years
  • Four claims per 12-month period
  • Fitting and balancing included
  • Claim limits of £150 or £300
  • Covers run flats and tyres over 18"
  • No wear & tear deductions
  • Covers accidental and malicious damage
  • Covers all drivers on your insurance policy
  • Covers vehicles up to three years old
  • Covers vehicles up to 50,000 miles
  • Standard and run flat plan options
  • No excess charges payable
  • £50 towards puncture repair

Why come to Direct Gap for your Tyre Insurance policy

There are plenty of reasons to choose us for your car’s Tyre Insurance. Here are just a few of them:

•  Knowledge: Our team are fully trained specialists in motor insurance. All claims are dealt with in-house, so you won’t ever have to worry about being put through to a call centre.

•. Integrity: We will always put your needs first – our team do not make any commission from sales of Tyre Insurance.

•  Responsibility: We’re fully regulated by the Financial Conduct Authority and all our staff uphold the very highest standards in our service to you.

•  Flexibility: We’ll help you find a Tyre Insurance policy that suits your personal circumstances.

•  Service: Our 5-star Feefo rating and thousands of glowing reviews are evidence of how much our customers value what we do for them.


What is Tyre Insurance and what cover does it provide?

The purpose of Tyre Insurance is to contribute towards the cost of the repair or replacement of tyres that have suffered accidental or malicious damage.

This policy covers tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Tyre Insurance cover is available for passenger cars, light four-wheel commercials and motorhomes (under 3500 GVW).

The maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per tyre per occasion, depending on the claim limit you have selected. This will include a valve, balance and VAT.

The maximum aggregate amount payable is limited to four claims per 12-month period of insurance.

Is Tyre Insurance worth it?

Should your tyres become damaged and need replacing or repairing, it could become expensive, especially if the tyres required for your vehicle are specialist or need to be of high performance. Without Tyre Insurance, you might find yourself significantly out of pocket, so why take that risk?

With a robust Tyre Insurance policy from Direct Gap, you can get behind the wheel safe in the knowledge that our cover will contribute up to £300 towards the cost of any tyre repairs or replacements – a major saving by anyone’s standards.

Get a Tyre Insurance quote.

Are tyres covered under car insurance?

The likes of punctures, cuts or bursts and any damage caused by braking will not be covered by most motor insurance policies. That’s why Tyre Insurance with Direct Gap can prove a sensible solution. It offers you added peace of mind that, should anything go wrong with your tyres, you won’t have to fork out a fortune for their repair or replacement.

Are tyres covered under Gap Insurance?

No, Gap and Tyre Insurance are separate products. A Gap Insurance policy covers the difference between your vehicle’s initial purchase price and its value at the point where it is declared a total loss. Tyre Insurance is a specific form of cover that will contribute towards the cost of replacement or repairs should your tyres suffer accidental or malicious damage.

Can I purchase Tyre Insurance on its own?

No, you can only take out a Tyre Insurance policy in conjunction with Gap Insurance from Direct Gap. This must be done within 30 days of taking delivery of your vehicle.

Is Tyre Insurance only for new cars?

No, we have Tyre Insurance for older cars up to three years in age. However, please note that the maximum permitted mileage at the date of the policy purchase is 50,000 miles.

Get a Tyre Insurance quote.

Can I get Tyre Insurance if I bought my car on finance?

Yes. Whether you purchased your car outright or via a finance agreement, our Tyre Insurance cover is available to you.

Will my Tyre Insurance cover me if I'm at fault?

Yes, your policy will cover you even if the incident that caused your tyres to become damaged was your fault. However, please note that you will not be covered if the driver of the car is under the influence of alcohol, non-prescription drugs, is involved in illegal activity, fraud or an act of wilful negligence. We recommend that you carefully read through your policy documents for full terms and conditions.

Are other drivers covered by my Tyre Insurance?

Yes, others are covered by your car’s Tyre Insurance as long as they are a named driver on your comprehensive motor insurance.

Are run flat tyres covered?

Yes, run flat tyres are included under the Tyre Insurance policy, provided you have selected and paid for the run flat product.

Are there any wear and tear deductions?

No, there is no charge for betterment but the tyres must comply with the legal requirements.

Am I covered for malicious damage?

Yes, your Tyre Insurance policy will cover malicious damage to tyres provided that a police report is available.

Where do I need to buy my tyres from?

Tyres must be either repaired by or purchased from a VAT-registered supplier or dealer. This can be one of your choice or in certain circumstances the insurer has a fleet account with Kwik Fit and you will not be required to make payment.

When can I purchase the cover?

Tyre Insurance cover must be purchased within 30 days of delivery of the vehicle.

Get a Tyre Insurance quote.

Whose name should the policy be in?

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

How do I take out a Tyre Insurance policy?

Here at Direct Gap, we believe in making life as easy as possible for our customers, and taking out a Tyre Insurance policy is certainly no different. You can calculate your quote online – all you need to do is fill in the desired length of policy, your claim limit, the vehicle model and its tyre type, and we’ll provide you with a quote in seconds – it’s that simple.

Of course, you can always get in touch with a member of our expert, friendly team – they’ll be only too happy to help you out. You can email us at enquiries@directgap.co.uk or call us on 01422 756100.

Get a Tyre Insurance quote.

Is there a waiting period?

Yes – for the first 30 days of your car’s Tyre Insurance period, no claim will be accepted. This also applies to our Alloy Wheel and Scratch & Dent policies.

When and how do I receive my policy documents?

Your Tyre Insurance policy documents together with confirmation of payment are sent by email as soon as you make the payment.

How do I claim on my tyre insurance?

If your tyres become damaged and need repairing or replacing, you can call the administrators claims number on 0344 573 8002. They will direct you to a garage where we have an account so your vehicle can get fixed up. If one is not available to you locally, then the best course of action is to pay for the repairs before claiming the money back through your Tyre Insurance.

What is the claim limit?

The maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per tyre per occasion, depending on the claim limit you have selected. This will include a valve, balance and VAT.

The maximum aggregate amount payable throughout the period of Tyre Insurance is limited to four claims per 12 months.

Will claiming on my car’s Tyre Insurance affect my no-claims bonus?

No, a claim on this policy will have no impact on your standard motor insurance.

Is an excess payable on my Tyre Insurance policy?

No, there are no excesses to pay on our policies.

Why would my Tyre Insurance policy not pay out?

You will not be covered for any claims where the tread depth is less than 2mm across any area of the tyre, for theft of the tyres, or if the tyres have been modified in any way from the manufacturer’s specification.

Exclusions also apply if your vehicle is more than three years old at the start date of your Tyre Insurance policy, or if it has covered 50,000 miles by that date. Additionally, you will not be covered for general wear.

There are further exclusions that apply to your Tyre Insurance cover, so please check your policy documents for full terms and conditions.

How much does Tyre Insurance cost?

Our Tyre Insurance policies start from just £169, but the cost of your premium will depend on the length of cover, the claim limit, the make of your vehicle and its tyre type. The easiest way to work out how much your Tyre Insurance will cost is to hit the button below and get a quote in a matter of seconds.

Get a Tyre Insurance quote.

Why is Direct Gap so much cheaper than motor dealers quote?

We are an internet-based provider and we have lower overheads than motor dealers. We sell a high volume of insurance products, so we are able to provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other websites. Paying less than you have been quoted elsewhere doesn’t mean that you are buying an inferior product, it just means that they are making more profit from your purchase!

Who is the insurer of this policy?

Motors Insurance Company Limited (MICL), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority under number 202875. This can be checked via the FCA Register.

The insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers, 90% of the claim is covered with no upper limit.

What is the Geographic Area of cover?

The United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including Shetland, Orkney, the Inner Hebrides and Outer Hebrides). Please note that this means the Isle of Man is also excluded.

Can I transfer my tyre insurance to a replacement vehicle?

No, this is not a transferable form of cover. If you change your car for any reason, you are entitled to a pro rata refund on your policy, as long as no claims have been made. There will also be a £20 cancellation fee.

Can I cancel my tyre insurance?

Should you no longer want your Tyre Insurance policy, you are able to cancel. We offer a 30-day grace period (more than twice the legal requirement of 14 days) within which you will be entitled to a full refund. After those 30 days, you’ll be charged a £20 cancellation fee and will be refunded on a pro rata basis, provided no claims have been made.